Islamic finance
Nisab Today in PHP
The live zakat threshold in Philippine Peso, from today's gold and silver prices (2026-09-27).
Gold nisab by karat in PHP
Nisab is 85 g of pure gold. Jewellery is alloyed, so the weight you need depends on the karat — the local standard in Philippine Peso is 21K.
| Karat | Purity | Per gram today (PHP) | Grams for nisab |
|---|---|---|---|
| 24K | 99.9% | 8,606 | 85.1 g |
| 22K | 91.7% | 7,897 | 92.7 g |
| 21Klocal standard | 87.5% | 7,537 | 97.1 g |
| 18K | 75.0% | 6,461 | 113.3 g |
Spot metal value at 2026-09-27; shop prices add making charges and tax. Zakat itself is 2.5% of the value once you are above nisab.
Nisab in the Philippines
Filipino jewellery is commonly 18K and 21K, and overseas workers often bring back 21K and 22K from the Gulf; convert each piece by purity before comparing with nisab. The peso floats against the dollar. Nisab is measured in pure gold, and jewellery is never pure: multiply each piece's weight by its karat's purity (0.9167 for 22K, 0.875 for 21K, 0.75 for 18K, 0.585 for 14K) before comparing the total with 85 grams. The karat table above gives today's per-gram value of each karat in your currency for a quick valuation.
The zakat year
The zakat year (hawl) is lunar — about 354 days, not 365. Fixing one Hijri date each year (many people use Ramadan) keeps the calculation consistent; paying on a Gregorian anniversary drifts eleven days later every year.
Common situations for zakat payers in the Philippines
Filipino Muslims' wealth is often split between peso savings and remittances from family abroad; savings already received are the recipient's and zakatable by them. Pag-IBIG and SSS contributions are treated as not zakatable until accessible. Gold brought home from the Gulf is usually 21K or 22K and is converted by purity.
Where Filipino Muslims pay zakat
The Bangsamoro government's zakat programmes in BARMM, mosques, and direct payment to the poor; there is no national collection.
How to use these numbers
If your zakatable wealth in Philippine Peso — cash in PHP, gold and silver, money owed to you, and business inventory — stays at or above the nisab for one full lunar year, zakat of 2.5% is due. Most scholars recommend checking against the lower silver figure (77,033 PHP today) so that zakat reaches more people.
Calculate exactly what you owe with the zakat calculator, value gold by weight and karat with zakat on gold, or see today's gold price in Philippines.
Nisab in other currencies
Frequently asked questions
What is the nisab in PHP today?+
Using the gold standard (85 g of pure gold), today's nisab is about 732,214 PHP. Using the silver standard (595 g) it is about 77,033 PHP. Figures refresh daily with metal prices and the PHP exchange rate.
Gold or silver standard — which should I use?+
Most scholars recommend the silver nisab because it is lower — zakat becomes due sooner and more of the poor benefit. The gold standard is also valid.
Why does the nisab in Philippine Peso change?+
Two moving parts: the global gold/silver price, and the PHP exchange rate. Both update daily, so a nisab figure published months ago can be far off — this page always shows today's value.